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Dental Illness benefit is a benefit available on Indoor Cat policies only. With the dental Illness benefit you can claim up to $1000 annual benefit on: gingivitis, abscesses, or removal of teeth where medically necessary due to: dental disease arising from infection, retained deciduous teeth, cavities, or fractured teeth.
Dental illness benefit is subject to a 6-month waiting period.
Routine Care is an optional non-insurance benefit available on Comprehensive and Comprehensive Plus Pet Insurance policies only.
With Routine Care you can claim a $50 Annual Benefit on either: Vaccinations or Health Checks.
Plus another $50 for one of the following treatments: Desexing, Microchipping, Prescription Diets, Heartworm Preventative, Obedience Training (at Recognised Facility), Dew Claw Removal, Cremation or Burial, Council Registration Fees, Teeth Cleaning, Behavioural Therapy (By a qualified Animal Behavioural Therapist or Vet), Alternative Therapy, Dental Illness Treatment.
1. Annual benefit limit¹
Annual benefit limit means the applicable maximum amount payable by us in any one policy period, for your cover, subject to sub-limits which will be specified on your certificate of insurance.
2. Benefit percentage²
Benefit percentage means the stated percentage of each claim for eligible vet expenses and eligible costs for covered items which we reimburse, subject to any applicable benefit limit or sub-limit and excesses. Note: The benefit percentage does not apply to non-insurance routine care items
3. Covers Specified accidental injury³
Specified accidental injury means physical harm or injury of at least one of the following: a motor vehicle incident, a burn or electrocution, a reaction to a bite from an insect, spider or scorpion, or a bone fracture, a traumatic tooth fracture, snake bite toxicity, a traumatic ligament or tendon injury, a bite wound or fight wound abscesses, lacerations or abrasion of tissue, skin or mucous membrane due to external trauma, or a cruciate ligament condition.
4. Covers Illnesses⁴
Illness means a sickness or disease that is not included under specified accidental injury cover.
5. Lifetime cover⁵
As long as we continue to provide the product and you renew your policy each year without a break, lapse or change in the level of your cover, we’ll renew your policy for the life of your pet. Cover is subject to the terms and conditions of your renewing policy.
6. Emergency boarding⁶
If you are hospitalised or require emergency accommodation during your policy period for one or more consecutive days or you require emergency accommodation due to family violence, we will pay for the cost of boarding for your pet at a licensed kennel or cattery, up to the sub-limit shown on your certificate of insurance. See PDS for further information. Some exclusions apply.
7. Consultations⁷, Specialist Care⁷, Lab & Diagnostic tests⁷, Hospitalisation⁷, Radiology⁷, Medicines & Drugs⁷, Surgery⁷
This is an example of treatment which is covered if provided in relation to conditions covered by your policy, subject to policy T&Cs, limits, exclusions, excesses and waiting periods. See PDS for further information.
8. Cruciate ligament conditions⁸
Cruciate ligament conditions mean partial or complete rupture of the cruciate ligament(s). This includes meniscal tears, any looseness of the cruciate ligaments, along with any complications following treatment for this condition.
Cruciate ligament conditions are subject to a 6-month waiting period. See PDS for further information.
9. Hereditary & congenital conditions (Excluding Pre-existing conditions)¹¹
Hereditary and congenital conditions are covered, except for pre-existing conditions and subject to policy T&Cs, limits, exclusions and waiting periods. Refer to your PDS for more information.
10. Waiting period¹⁰
Waiting period means the period that your pet is not covered as specified in your PDS and starts from the commencement date of the first policy period in which you obtained cover for the applicable condition or benefit, during which a condition that occurs or has existed will be excluded from cover unless stated on your certificate of insurance.
11. Pre-existing conditions¹¹
Pre-existing condition means a condition that first existed or occurred prior to the commencement date of your first policy period or within any applicable waiting period and of which you were aware of, or a reasonable person in your circumstances would have been aware, irrespective of whether the underlying or causative condition has been diagnosed. Please refer to your PDS to read more about temporary and chronic conditions. Some conditions are eligible for review after an 18-month period – this can be done on application or simply by submitting your claim. Refer to your PDS for further information.
12. Dental Illness¹²
Dental illness benefit provides cover for these specified dental conditions: gingivitis, abscesses, or removal of teeth where medically necessary due to: dental illness arising from infection,; retained deciduous teeth; cavities; or fractured teeth.
13. Specified conditions¹³
Specified conditions means the following specified conditions: cancer; feline lower urinary tract disease; gastrointestinal problems; ingestion of a foreign object; poisoning; diabetes; hyperthyroidism; heart disease; outer and inner ear infections; arthritis; and renal disease.
14. Routine care (non-insurance benefit)
Routine care means certain pet care items for your pet listed on your certificate of insurance which are non-insurance benefits. If you have these benefits, the list of allowable items and the maximum amount payable during the policy period, are shown on your certificate of insurance.
° Offer valid for Woolworths Insurance Policyholders (excluding Compulsory Third Party (CTP) Green Slip policyholders and Woolworths Travel Insurance policyholders) with a registered Everyday Rewards card, linked to your policy, when making a purchase of up to $500 on groceries. Offer can only be redeemed once during the Offer Period. Excludes Tasmania and Everyday Market from Woolworths orders. For full T&Cs click here.
† Offer available to new Woolworths Pet Insurance policyholders, and is limited to 1 membership per eligible policy. The free membership offer (valued at $199p.a) is from the date of your policy commencement, provided your Woolworths Pet Insurance policy remains active. You are not eligible to redeem the free membership subscription for cash or credit. VetAssist is a separate subscription based service to the Woolworths Pet Insurance product, and is provided independently by Woolworth’s third party service provider, VetChat Services Pty Ltd (VetChat). Click here for full VetAssist Service terms and conditions. Woolworths reserves the right to withdraw or extend this offer at anytime, without notice.
* 5% discount off your first year’s policy premium. Please note this offer only applies to new policies. This offer cannot be used in conjunction with any other offer. Offer starts 11.59pm AEDT on 12/09/2017 and ends 11.59pm AEDT on 30/06/2022.
^The stated percentage of each claim for eligible vet expenses for which we will reimburse you, subject to any applicable benefit limits or sub-limits. Note: The applicable benefit percentage will be shown in your certificate of insurance. Refer to the PDS for an example of how claim payments are calculated.
1 Excess - Means the amount shown on your Certificate of Insurance that is deducted from your benefit for each Illness or Specified Accidental Injury Condition treated during the Policy Period that is not related to any other Illness or Specified Accidental Injury Condition treated during the same Policy Period.
2 Annual Benefit Limit - Means the total amount payable under your policy for each level of cover selected, inclusive of sub-limits.
3 Means physical harm or injury arising from a specified accidental injury that is the consequence of or results in, among others, one of the following: car accidents, bone fractures, animal, insect or snake bites. Refer to the PDS for further detail.
4 Means a sickness or disease which isn’t included under the specified accidental injury cover and isn’t a pre-existing condition.
5 Cover is available for the life of your pet provided you renew your policy each year without any break, lapse or change in the level of Cover. This means once your pet is insured with us and as long as we continue to offer the product, you will be able to renew your policy for that pet for life provided you continuously maintain the cover. Cover is subject to the terms and conditions of your renewing policy. See details in your PDS.
6 You'll be paid up to the benefit percentage for expenses incurred by you (up to the sub-limit) for boarding your pet at a licensed kennel or cattery if you're hospitalised for one or more consecutive days during your policy period or require emergency accommodation due to family violence.
7 In relation to Conditions covered by your policy, examples of Conditions can be found under ‘Specified Accidental Injury’ and ‘Illness Cover’ of this table.
8 This 6-month waiting period for Cruciate Ligament Conditions may be waived if we receive, within 14 days of examining your pet, written certification from your vet that they have examined your pet on or after the commencement date of the first policy period and found no signs or evidence of cruciate ligament conditions. You may be eligible for a higher limit and if so this will be specified in your certificate of insurance.
9 Hereditary and congenital conditions will be covered as long as:
10 Waiting period - Means a period starting from the commencement date of the first policy period. If a condition exists or occurs during the waiting period, it will be considered a pre-existing condition and may be excluded from cover. Some conditions are eligible for review after an 18-month period – refer to your Policy Booklet for more information regarding pre-existing conditions.
11 Some conditions are eligible for review after an 18-month period – this can be done on application or simply by submitting your claim. Refer to your PDS or our Pre-existing condition page for more information.
12 Claim up to $1,000 on the following: Gingivitis, Abscesses, Dental Disease arising from infection, retained deciduous teeth, Cavities or Fractured teeth. 6 months waiting period applicable for Dental Illness Conditions.
13 Under Indoor Cat, you are only covered for the following 11 Specified Illnesses: Poisoning, Ingestion of Foreign Object, Cancer, Feline lower urinary tract disease, Gastrointestinal Problems, Diabetes, Hyperthyroidism, Heart Disease, Outer and inner ear infections, Arthritis and Renal Disease.
~ Non-insurance Routine Care Benefits: Routine Care is an optional non-insurance benefit available on Comprehensive and Comprehensive Plus Pet Insurance policies only.
Benefits are subject to the terms and conditions including the limits and exclusions of the insurance policy. Woolworths Pet Insurance is issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436 (Hollard), is promoted and distributed by Hollard’s Authorised Representative (AR) Woolworths Group Limited ABN 88 000 014 675, AR 245476 and is arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing. PDS and Target Market Determination available at insurance.woolworths.com.au/pet-insurance.
By providing your email address you agree to receiving communications in relation to this quote.
Quote information can be retrieved for 14 days after it has been generated.
Quote price is indicative only, premium offered subject to daily rating factor changes and is not guaranteed.
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Please call our Customer Care Team on 1300 10 1234 between 8am and 8pm (AEST/AEDT) Monday to Friday or 9am to 5pm (AEST/AEDT) Saturday and Sunday (except public holidays) to add more than 3 pets.
Important things you need to know
Note: The information you have provided for this quote is available to retrieve for up to 14 days from the date the quote was issued. This quote is indicative only. When retrieving this quote, please check the details on your Quote page.
° Offer valid for Everyday Insurance Policyholders (excluding Compulsory Third Party (CTP) Green Slip policyholders and Everyday Travel Insurance policyholders) with a registered Everyday Rewards card, linked to your policy, when making a purchase of up to $500 on groceries. Offer can only be redeemed once during the Offer Period. For full T&Cs click here. 10% off your shop offer is limited to one transaction per customer and up to a value of eligible purchases of $500 in a single transaction. Customers can therefore obtain the maximum saving of up to $50 per month or a total saving of up to $600 over 12 months.
† Offer available to new Everyday Pet Insurance policyholders, and is limited to 1 membership per eligible policy. The free membership offer (valued at $199p.a) is from the date of your policy commencement, provided your Everyday Pet Insurance policy remains active. You are not eligible to redeem the free membership subscription for cash or credit. VetAssist is a separate subscription based service to the Everyday Pet Insurance product, and is provided independently by Everyday Insurance third party service provider, VetChat Services Pty Ltd (VetChat). Click here for full VetAssist Service terms and conditions. Everyday Insurance reserves the right to withdraw or extend this offer at anytime, without notice.
^ To Unlock Your Offer, simply choose your offer of choice and ensure you have linked your active registered Everyday Rewards card when purchasing an eligible Everyday Pet Insurance policy online.
Unlock Your Offer is only available on new Basic, Standard, Comprehensive, Comprehensive Plus or Indoor Cat Cover policies.
Each personalised offer is subject to specific T&Cs, personal to you, and available only on your Everyday Rewards Card. Your selected personalised offer cannot be used in conjunction with any other offer unless specified. Your selected personalised offer only applies to the first policy period unless otherwise specified. You cannot select or change your chosen personalised offer after the policy is purchased.
Enjoyment of Everyday Rewards is subject to the Everyday Rewards T&Cs and the Everyday Pet Insurance T&Cs contained in the PDS. Woolworths reserves the right to withdraw or extend this discount or offer at any time, without notice.
You may not collect Everyday Rewards points if earning those points would cause you to exceed $4,000 Everyday Rewards dollars (as set out in the Everyday Rewards Terms and Conditions).
* Limits, waiting periods, exclusions and excesses may apply.
Benefits are subject to the terms and conditions including the limits and exclusions of the insurance policy.
This policy is issued by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by Woolworths Group Limited ABN 88 000 014 675, AR 245476, an Authorised Representative of PetSure. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing. PDS and Target Market Determination available at insurance.everyday.com.au/pet-insurance.
Enter your Everyday Rewards card number to receive 200 points^^ for completing a quote. You might qualify for additional savings on your quote, as well as exclusive extras including 10% off an in-store grocery shop once a month.º
You must be over 18 years to apply for pet insurance.
Please enter 3 or more characters for your pet's breed and select the breed. If you're unsure of your pet's breed select 'Unknown'.
Your pet must be older than 8 weeks of age to qualify for a product. If you do not know the exact date of birth of your pet, please give your closest estimate. If unsure, select the 1st date of the month.
With 10% off an in-store Woolworths shop once a month°
valued at $199 p.a.†
Learn more
Claim up to 80% back on eligible vet bills*
When you complete a Pet Insurance quote online and link your Everyday Rewards card. T&Cs apply.^^
We acknowledge the Traditional Owners and Custodians of Country throughout Australia. We pay our respects to all First Nations peoples and acknowledge Elders past and present.
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Includes GST and Gov't charges
1300 10 1234
If you need more information or have any questions please contact us between 8am - 8pm (AEST/AEDT) Monday to Friday (except public holidays).
Includes GST and Gov't charges.
Please Note
Due to rounding your first premium amount is slightly different with the remaining installments being a consistent amount.
Please tick the box below to indicate you have read and understood the Combined Financial Services Guide and Product Disclosure Statement in respect of this product and that you have read and agreed to the following Terms and Conditions.
General Exclusions and Pre-existing Conditions
The policy is subject to some general exclusions including pre-existing conditions. If a condition existed or occurred prior to the commencement date of the first policy period or within an applicable waiting period, it may be excluded from cover as a pre-existing condition. Some conditions are eligible for review after an 18-month period – refer to your Product Disclosure Statement for more information and a detailed explanation of how general exclusions may affect your cover.
Commencement of your policy
If your application is accepted by the insurer in writing, your policy will commence at 11:59pm (1 minute to midnight) on the commencement date selected by you. From that time, your pet is covered under the terms and conditions of the policy.
If you are applying for a Basic, Standard, Comprehensive or Comprehensive Plus pet insurance policy:
There is no waiting period after the commencement date of your first policy period for specified accidental injury items, except for cruciate ligament conditions. If you have selected the optional non-insurance routine care benefit, then there is no waiting period for the items listed under this benefit (see the Product Disclosure Statement (PDS) and your Certificate of Insurance (COI) for more information).
The waiting period for conditions under the policy’s illness cover section is 30 days from the commencement date of the first policy period.
The waiting period for cruciate ligament conditions and any conditions arising therefrom irrespective of cause or origin is 6 months from the commencement date of the first policy period. The cruciate ligament waiting period may be waived on application – refer to the PDS for more information.
If you are applying for an Indoor Cat policy:
The waiting period for specified conditions is 30 days from the commencement date of the first policy period. These conditions are: poisoning, ingestion of foreign objects, cancer, feline lower urinary tract disease, gastrointestinal problems, diabetes, hyperthyroidism, heart disease, outer and inner ear infections, arthritis and, renal disease. See the Indoor Cat PDS for more information.
If you have elected for the optional dental illness benefit, there is a 6 month waiting period from the commencement date of the first policy period.
Cooling Off Period
If you are not satisfied with the policy, you may cancel it within 21 days from the policy’s commencement date or renewal date. Provided PetSure receives a request to cancel the policy within this period and you have not exercised any of your rights and powers under the policy (e.g. you have made a claim), any premiums received since commencement or renewal will be refunded less any reasonable administrative and other transaction costs incurred by PetSure including any taxes and duties which cannot be refunded.
General Advice Warning
Any advice provided is general only, has been prepared without taking into account your objectives, financial situation or needs and may not be right for you. Consequently, before acting on this information, you should consider the appropriateness of this information having regard to your objectives, financial situation and needs. It is important that you carefully read the Combined Financial Services Guide and Product Disclosure Statement before deciding to buy this product.
The Issuer and Promoter
This policy is issued by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by Woolworths Group Limited ABN 88 000 014 675, AR 245476, an Authorised Representative of PetSure. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing. PDS and Target Market Determination available at insurance.everyday.com.au/pet-insurance.
Your duty to take reasonable care not to make a misrepresentation when you enter into the contract with us for the first time
Before you enter into this contract of insurance, you have a duty to take reasonable care not to make a misrepresentation. What that means is that you need to take reasonable care to provide honest, accurate and complete answers to any questions that we ask.
If you are not sure of the answers to any of our questions, you should take the time to find them. It is also important to understand that, in answering the questions, you are answering for yourself and anyone else to whom the questions apply.
If any of our questions are not clear to you and you need help, please contact us. The duty to take reasonable care not to make a misrepresentation applies until the contract is entered into (or renewed, varied, extended or reinstated as applicable).
If you do not comply with your duty to take reasonable care not to make a misrepresentation
If you do not take reasonable care in answering our questions or inform us of changes to the information set out in your policy documentation, you may breach your duty. If that happens, your policy may be cancelled, or treated as if never existed, and any claim may be denied or not paid in full.
Your Premium
This quote is for a new policy. There is no continuation of cover from any current or previous pet insurance policies you have held.
Waiting periods will apply, and any pre-existing conditions that occurred prior to this new policy, will not be covered. After the applicable waiting period has been served, some pre-existing conditions that are temporary conditions which have not existed, occurred or shown noticeable signs, symptoms or an abnormality after an 18-month period will no longer be considered a pre-existing condition – refer to your Product Disclosure Statement for more information.
Please contact us if you would like to continue having cover for conditions that were first noted and covered under a policy within the PetSure portfolio of brands. Please note that a policy with continued cover for conditions may be more expensive than the quote currently shown because it includes additional coverage you may be entitled to for existing conditions.
The amount payable by you will include the premium payable to the insurer, and all GST, stamp duty and other government taxes, fees and charges. This amount will be debited as agreed from the account you have nominated, which you have authorised PetSure to debit, if it agrees to issue the cover.
Your policy is set to renew automatically each year, for as long as we continue to provide this product, subject to the terms and conditions of the policy. However, you can opt-out of the automatic renewal process by contacting us. You should check your policy limits to see if your level of cover is still appropriate for you.
Your premiums will be collected by us directly from your nominated credit card or bank account. You should be aware that unless you tell us otherwise, your authority to debit this account/use this card also applies to renewals. If the credit card is not yours, you confirm you have the authority of the relevant person to use it and they have agreed to these terms.
Woolworths is paid a commission for promoting and arranging the sale of Everyday Pet Insurance policies on behalf of PetSure . For each policy sold after 1 July 2020, Woolworths will receive a commission of:
- at least $115 plus indexation as per the consumer price index (CPI) for pets younger than 10 years, or
-up to thirty percent (30%) of the net premium.
The commission is calculated after any government taxes and charges. This commission is used by Woolworths to cover costs associated with the marketing and distribution of this product to you and costs associated with providing administration services, including set-up and operational costs, telecommunication charges and the costs associated with recruiting, training and engaging call centre consultants. This commission may also include any referral fees to people or organisations that refer new customers to Woolworths.
Our consultants are paid an annual salary and may also qualify for a bonus of up to $5 per hour, dependent on their individual performance objectives. Such bonus payments are calculated based on pre-determined criteria including, amongst other things, the volume of sales and a consultant’s performance measured against agreed service levels. The payments made to consultants are not additional charges to you and are not in addition to the total premium you pay.
Privacy
Woolworths, and PetSure are committed to protecting your personal information and complying with Australian privacy laws. You can read about how we collect, use and disclose your personal information in our privacy policies. To obtain the latest version Woolworth’s Privacy Policy, please visit everydayinsurance.com.au. If you would like a copy of PetSure’s privacy policy, please visit www.petsure.com.au.
Combined Financial Services Guide and Product Disclosure Statement
Upon acceptance of your application a Combined Financial Services Guide (FSG) and Product Disclosure Statement (PDS) will be sent to you within 5 days of your policy commencement date. You should carefully read these documents to ensure the product meets your needs. Finally, if you have any questions about your policy, please call us on 1300 101 234.
I have read and accept the important information and policy declaration
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If your application is accepted by the insurer, your policy will commence on {insurance-start-date} at 1 minute to Midnight (23:59).
You will receive a welcome pack shortly, which will include your Certificate of Insurance, plus a copy of the Combined Financial Services Guide and Product Disclosure Statement.
If you have any questions about your policy feel free to call us on 1300 10 1234 and quote your policy number above.
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If you have any questions about your policy please call us on 1300 10 1234, otherwise you can try a new quote.
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Your free access to VetAssist†
VetAssist is a service for Everyday Pet Insurance customers to connect you to licensed Australian Vets via video or chat online.
You will receive a separate email with details on how to register for and access VetAssist.
In order for us to give you the correct premium, we need to know where your pet resides. Click here to edit.
All fields are mandatory unless stated
You have read, understood and agree to the Everyday Insurance Terms and Conditions, which includes how we may send you promotional and other messages by SMS or email, and how you can opt out or unsubscribe from these messages.
View our Privacy Policy and Collection Notice to understand how we manage your personal information.
If you select to pay by direct debit, a valid claim will be paid directly into your nominated bank account. If you select to pay by credit card, you will need to provide your reimbursement bank details before we can pay any claim benefits to you.
By clicking Confirm and Pay, I authorise PetSure(Australia) Pty Ltd (the initiator) (647811) to debit my account with the amounts outlined by the Initiator by direct debit. I confirm, I have sole authority
Sole authority means you have the ability to transact on the nominated bank account without the joint approval of another account holder.
as the account holder over the bank account number above. I have read and accepted the Direct Debit Request Service Agreement. You should be aware that unless you tell us otherwise, your authority to debit this account also applies to renewals.
You should be aware that your authority to debit this account also applies to renewals. If the card is not yours, you confirm you have the authority of the cardholder to use it and they have agreed to these terms.
American Staffordshire Terrier
Beagle
Bernese Mountain Dog
Border Collie
Cavalier King Charles Spaniel
Covoodle
Chihuahua
Cockapoo
Dachshund
German Shepherd
Golden Retriever
Great Dane
Greyhound
Golden Doodle (Groodle)
Labrador
Newfoundland
Pocket Bully
Pomeranian
Poodle - Standard
Pug
Rottweiler
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